Osobní finance

Entrepreneurs and Small Business, Public and Non-Profit Sector - V. Loans

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2010 to 31.10.2010. Currently valid versions of the List are available at another part of our web.

Please note that to print the List of Tariffs and Fees you must use its pdf version. This version is not optimized for printing, therefore it might result in an incomplete document depending on your specific browser and printer setup.

2.1.
Credit transaction administration and maintenance and assessment and evaluation of a loan application

determined on an individual basis, from 0.75% to 1.0% of the agreed loan value Minimum 15,000

Fee for overall assessment and evaluation of an application for Global Mortgage (including loan promise) *)

from 1% to 2% of the agreed loan value Minimum 25,000

*) the fee may be paid from the loan

2.2.
Assessment of risks associated with assets held as security (eligibility assessment)

Valuation of real estates in their existing condition

Real estates under designing, construction, reconstruction

Housing unit pursuant to Act no. 72/1994 Coll.

3,900

4,400

Non-residential space pursuant to Act no. 72/1994 Coll.

3,900

4,400

Family house

4,900

5,400

Detached building site

3,900

4,400

House for individual recreation

4,900

5,400

Garage

3,900

4,400

Construction status report /reconstruction status report

1,500

1,500

Express risk assessment within 2 business days after the order has been placed with the valuator

+ 1,200 above base rate for specific real estate type

+ 1,200 above base rate for specific real estate type

Other buildings

individually priced

individually priced

2.3.
Other Items

Issue of certificate on loan interest for tax purposes

free of charge

For assumption of debt by another client

0.5% from the outstanding loan

The fees for loan application assessment and evaluation are payable upon the signing of the loan agreement promise in the amount valid as of the loan agreement execution date.

3.
General Items

3.1.
Change of contractual terms and conditions upon the client's request

Commercial loans

0.3% from the current balance, minimum 2,500

Mortgage loans

0.3% from the current balance, minimum 10,000

3.2.
Other Items

For each loan installment paid in cash

10

Written reminder notice (notice for payment) to settle outstanding loan amount (including notice for payment sent to the debtor prior to filing an action)

1st notice

2nd notice

3rd notice

300 + postage

Assessment of risks associated with real property lien

individually priced *)

Assessment of risks associated with the drawing of a loan secured by real property under construction

individually priced **)

Change of contractual terms and conditions upon the bank´s request - commercial loans

free of charge

*) The fee includes the determination of the real property common price (based on type and size) proposed by the client in order to secure the receivable of CS, including a risk assessment of the bank associated with accepting the lien.
**) The fee includes the drawing of a Security Value Update/Construction Report, handover of the same to the POS, as well as a risk assessment of the bank associated with drawing of a loan secured by real property under construction.

Prices are quoted in CZK.

Apart from the fees for services specified in the List of Charges, also (-) other expenses (e.g. expenses of other banks and institutions) are charged. The fees charged to the client&apos;s account, debited to the loan account or paid in cash not later than upon the closing of the loan account, and/or at the end of the year. The fees for external services associated with the loan (project or security appraisal, notarial charges, etc.) are paid by the client either immediately or upon the execution of the agreement. Upon request, Česká spořitelna shall issue a receipt for fees paid in cash.

The fees charged for the provision of bank information and telecommunication services relating to banking transactions are specified in Part IX Other Bank Services.

The loan account or credit transaction administration and maintenance fee is payable irrespective of the fact whether the account is terminated before the expiry of the term as specified in the List of Charges.

Additional fees charged for services provided by Česká spořitelna, a.s. are detailed in other parts of the List of Charges.

In exceptional cases, the bank may provide a discount from the specified fee.

This List of Charges shall become valid as of 1 September 2010 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Done in Prague on 24 August 2010

Ing. Jiří Škorvaga CSc., in his own hand
Member of the Board of Directors
and Deputy General Director

Martin Techman, in his own hand
Director of the Business Development Division

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2010 to 31.10.2010. Currently valid versions of the List are available at another part of our web.